Lincoln Heritage Insurance Company: Providing Peace of Mind for Seniors

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Lincoln Heritage Insurance Company is a family-owned and operated business that has been providing life insurance to seniors for over 60 years. Their mission is to provide affordable, quality coverage to their customers, with a focus on compassion and integrity. In this article, we will explore the benefits of choosing Lincoln Heritage Insurance Company and how they stand out from other insurance providers.

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What is Lincoln Heritage Insurance Company?

Lincoln Heritage Insurance Company was founded in 1963 by Jack Londen, and since then has become a leading provider of final expense insurance. Final expense insurance is a policy that is designed to cover the costs of a funeral and other end-of-life expenses. These expenses can add up quickly and can be a burden on loved ones, making final expense insurance an important consideration for many seniors.

Lincoln Heritage Insurance Company specializes in providing final expense insurance to seniors, with policies designed for those between the ages of 50 and 85. They offer both simplified issue and guaranteed issue policies, making it easy for seniors to get the coverage they need without the hassle of medical exams or lengthy application processes.

Why Choose Lincoln Heritage Insurance Company?

There are many reasons why seniors choose Lincoln Heritage Insurance Company for their final expense insurance needs. Here are just a few:

1. Peace of Mind

One of the biggest reasons to choose Lincoln Heritage Insurance Company is the peace of mind that comes with knowing your loved ones will be taken care of after you pass away. Their policies are designed to cover funeral costs and other expenses, relieving your family of the burden of those costs during an already difficult time.

2. Affordable Coverage

Another reason seniors choose Lincoln Heritage Insurance Company is the affordability of their policies. Their rates are among the most competitive in the industry, making it easy for seniors on a fixed income to get the coverage they need without breaking the bank.

3. Personalized Service

Lincoln Heritage Insurance Company is known for their commitment to personalized service. They understand that every customer is unique, and they work closely with each one to determine the best policy for their needs. Their agents are knowledgeable and experienced in the final expense insurance industry, and are always available to answer questions and offer support.

Lincoln Heritage Insurance Company’s Policies

Lincoln Heritage Insurance Company offers both simplified issue and guaranteed issue policies, making it easy for seniors to get the coverage they need. Here is a closer look at each type of policy:

Simplified Issue Policies

Simplified issue policies are policies that do not require a medical exam. Instead, these policies typically only require answers to a few basic health questions. Simplified issue policies are a popular choice among seniors who may have pre-existing health conditions that would make it difficult to obtain coverage through other means.

Lincoln Heritage Insurance Company’s simplified issue policies offer coverage amounts ranging from $2,000 to $20,000. These policies are available to seniors between the ages of 50 and 80.

Guaranteed Issue Policies

Guaranteed issue policies are policies that are guaranteed to be issued, regardless of the customer’s health. These policies are a good option for seniors who may have serious health conditions that would disqualify them from other types of coverage.

Lincoln Heritage Insurance Company’s guaranteed issue policies offer coverage amounts ranging from $1,000 to $20,000. These policies are available to seniors between the ages of 50 and 85.

FAQ: Frequently Asked Questions

Here are some frequently asked questions about Lincoln Heritage Insurance Company:

Q: Is Lincoln Heritage Insurance Company a reputable company?

A: Yes, Lincoln Heritage Insurance Company has been in business for over 60 years and is known for their commitment to quality, affordable coverage and personalized service. They have an A- rating from A.M. Best, a leading rating agency in the insurance industry.

Q: Can I get coverage if I have pre-existing health conditions?

A: Yes, Lincoln Heritage Insurance Company offers simplified issue policies that do not require a medical exam. These policies are designed for seniors with pre-existing health conditions.

Q: How much coverage can I get?

A: Lincoln Heritage Insurance Company offers coverage amounts ranging from $1,000 to $20,000, depending on the policy type and your age.

Q: How do I apply for coverage?

A: You can apply for coverage online or by calling Lincoln Heritage Insurance Company’s customer service department. Their agents will guide you through the application process and help you choose the best policy for your needs.

Q: What if I change my mind after purchasing a policy?

A: Lincoln Heritage Insurance Company offers a 30-day money back guarantee. If you are not satisfied with your policy, you can cancel it within 30 days of purchase and receive a full refund.

Conclusion

Choosing the right insurance company is an important decision, especially when it comes to final expense insurance. Lincoln Heritage Insurance Company has a proven track record of providing affordable, quality coverage to seniors, with a focus on compassion and integrity. Whether you choose a simplified issue or guaranteed issue policy, you can have peace of mind knowing that your loved ones will be taken care of after you pass away.

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